523 Hatherly St
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523 Hatherly St

Ctop 80%

Vista, CA 92083

$1,380,000

Pass at asking: -$6,351/mo full cashflow at 20% down, 7.36% rate.

Works at $548,932 (60% under asking), or at 87% down.

Rent $5,448/mo from 41 leases of houses within 2 mi, size-adjusted ($5,322–$6,177).

Beds

6

Baths

5

Sqft

3,426

Year Built

2003

Days on Market

164

Property Type

Single Family

HOA/mo

N/A

MLS ID

260013265SD

This property is in Vista (92083). Browse neighborhood analytics →

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About This Property

Welcome to your dream home in Vista, CA—an exceptional custom-built luxury residence tucked away on a peaceful cul-de-sac with NO HOA. This turnkey, multi-generational estate offers 6 bedrooms, 5 bathrooms, an attached ADU, and the rare flexibility to convert the primary bedroom suite into an additional ADU if desired. Whether you’re accommodating extended family or exploring rental income opportunities, this home adapts beautifully to your needs. Set on an expansive 0.3-acre lot, this 3,426 sq. ft. property showcases sweeping views, modern upgrades, and highly versatile living spaces designed for comfort, style, and functionality. The remodeled gourmet kitchen is a true showpiece, featuring high-end stainless steel appliances, custom cabinetry, and luxury finishes perfect for both everyday living and effortless entertaining. Throughout the home, you’ll find spacious bedrooms, spa-inspired updated bathrooms, hardwood floors, travertine tile, and premium upgrades that elevate every room. A bonus room with its own private balcony offers the ideal setting for a home office, gym, media room, or entertainment lounge. The attached ADU with a private entrance plus the option to create a second ADU adds exceptional value, privacy, and long-term flexibility. Step outside to your own private outdoor oasis, complete with a patio, built-in BBQ area, and two driveways with RV parking perfect for embracing the best of California indoor-outdoor living. Located just 5.5 miles from the beach, this prime Vista location offers quick access to shopping, dining, parks, and top-rated schools.

Mortgage Calculator

Est. Monthly Payment

$9,396

Principal & Interest$7,614
Property Tax$1,380
Insurance$402
%($276,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Grapevine Elementary · grades K-5 · Vista Unified

  • Middle

    Madison Middle · grades 6-8 · Vista Unified

  • High

    Rancho Buena Vista High · grades 9-12 · Vista Unified

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

13C
Est. Monthly Rent
$5,448

41 leases of houses within 2 mi, size-adjusted · $5,322–$6,177

Blended 50/50 with a property-level estimate

Monthly Cashflow

Rent − PITIA

-$3,948
Full Cashflow

Incl. vacancy, PM, maint, capex

-$6,351

What would make this work?

$6,351/mo short at 20% down; 87% down or +$8,248/mo rent closes it.

Break-even price

60% under asking

$548,932
Break-even rent

$8,248/mo above the estimate

$13,696/mo
Cashflow at 35% down
−$4,923/mo
Down payment to break even

$1,200,600 cash

87%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$7,614
Cap Rate
1.34%
Cash-on-Cash
-27.61%
DSCR

Need ≥ 1.25 for DSCR loan

0.58

NOI (Annual)
$18,424
Price-to-Rent

Lower = better for investors

21.1

* Modelled at 20% down, 7.36% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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CCashflow−$6,351/mo